Homeowners Insurance Premium Report

Compare Home Insurance Premiums By State

What do your neighbors pay for homeowners insurance? How does your premium stack up? Check out the Homeowners Insurance Premium Report, an interactive map that provides a real-time snapshot of average premiums nationwide, to get a better idea of what you should pay.

Average Quarterly HomeInsurance Quotes Across the U.S.

States With Lowest Average Quotes

Comparison to National Premium Average

Oregon

$445

-57%

California

$538

-48%

Washington

$612

-41%

Arizona

$651

-37%

North Carolina

$670

-35%

III National Average = $1,034

States With Highest Average Quotes

Comparison to National Premium Average

Texas

$1345

30%

Missouri

$1123

9%

Alabama

$1064

3%

Average Monthly HomeInsurance Quotes Across the U.S.

States With Lowest Average Quotes

Comparison to National Premium Average

Oregon

$440

-57%

California

$539

-48%

Pennsylvania

$647

-37%

Washington

$651

-37%

Arizona

$663

-36%

III National Average = $1,034

States With Highest Average Quotes

Comparison to National Premium Average

Tennessee

$1663

61%

Texas

$1331

29%

Missouri

$1108

7%

Minnesota

$1083

5%

Colorado

$1067

3%

About This Data
This Rate Report is a data representation of average premiums for policies sold by HomeInsurance.com LLC during the past 12 months. It does not reflect official rate changes as governed by State Departments of Insurance. For more information, please view "About the Homeowners Insurance Premium Report" below.

The Homeowners Insurance Quote Review reflects the average of the lowest quotes made during the most recent quarter by the HomeownersInsurance.com service for each potential customer in a state, so you can keep an eye on prices to get the best deal possible. We also compare the average quote for a state to the U.S. premium average as compiled by the National Association of Insurance Commissioners to document the difference.

Homeowners insurance rates vs. quotes - the difference?

One of the most important things in shopping for insurance is understanding how homeowners insurance rates differ from quotes. Many people use the terms interchangeably, but home insurance rates and quotes refer to two different things.

Homeowners insurance rates are set at the state level by state government officials and affect large numbers of people. Home insurance providers start with those rates but then customize policies to fit individual customers, taking into account such factors as the age and dimensions of the home, its location, and the claims history of you and of the house. Once all the factors are applied, they'll give you a home insurance quote - the amount you'll have to pay for coverage. You can understand how that number wouldn't be the same as a general homeowners insurance rate established by state government officials.

What these quotes mean for you

Many factors contribute to an individual homeowners insurance quote:

Geographic location: If you live in Tornado Alley, a hurricane zone, or other high-risk locations, you might pay more for home insurance.

Local construction costs: Typically, the more it would cost to rebuild your home after a total loss, the higher your home insurance quote will be. Our homeowners insurance calculator can help you estimate how much it will cost to rebuild.

Local insurance requirements: Homeowners insurance is regulated at the state level. Available coverage and prices vary by location. Call a licensed agent to learn more about variations in home insurance.

Know when your state's average homeowners insurance quote changes

If you live in one of the states with higher average quotes, make sure you're getting the best coverage for your money, as well as every available discount.

If you live in a state with lower average home insurance quotes, call now to lock in low monthly payments before they rise again. Call a licensed agent for a fast, free consultation to help you make the smartest decisions about yourpolicy.

Digging into the numbers: Q4 trends

In the fourth quarter of 2014, the average Oregon quote generated by HomeownersInsurance.com agents, $445 for a year's coverage, came in 57% below the national average premium of $1,034. Our average California quote of $538 was 48% below the U.S. mark.

Texas quotes generated by HomeownersInsurance.com, on the other hand, averaged $1,345, about 30% more than the U.S. figure. That reflects the state's vulnerability to tornadoes and other disasters. Missouri residents also were quoted higher than the average national premium - $1,123, about 9% more.

Do you overpay?

Use this map to see how much other homeowners are quoted for coverage and to find out how your premium compares. You could be paying too much. If your premium looks too high, call a licensed HomeownersInsurance.com agent to compare quotes and to see whether you can lower your monthly payments.

Are you covered?

Is your premium substantially lower than the state numbers reflected here? There is such a thing as a premium that is too small. A premium hundreds of dollars below the state mean might not be as great a deal as it sounds - you might leave your home underinsured. For example, a $400 homeowners insurance policy in Tornado Alley probably won't cut it. You might prefer lower monthly payments, but when the clouds roll in, you could sorry you didn't spend more protecting your home - usually your largest investment. Call a licensed agent if you notice large discrepancies between your premium and the amounts on this page.

For more information about homeowners insurance in your area, click on your state from the list below:

What do others pay for homeowners insurance? How does your premium stack up? Check out the Homeowners Insurance Quote Review, a monthly report that provides a snapshot of average quotes recently made by the HomeownersInsurance.com service in states across the country, to get a better idea of what you should pay.

The Homeowners Insurance Quote Review measures how quotes from licensed agents who work with the HomeownersInsurance.com service stack up against the average annual homeowners premiums for policies sold in the U.S., according to the National Association of Insurance Commissioners. The HomeownersInsurance.com numbers are the average of the lowest quote offered to each consumer who seeks a quote in a given state.

Homeowners insurance rates vs. quotes - the difference?

One of the most important things in shopping for insurance is understanding how homeowners insurance rates differ from quotes. Many people use the terms interchangeably, but home insurance rates and quotes refer to two different things.

Homeowners insurance rates are set at the state level by each state's insurance department or commissioner and affect large numbers of people. Home insurance providers start with those rates but then customize policies to fit individual customers, taking into account such factors as location, claims history, and the age and dimensions of the home. Once all the factors are applied, they'll give you a home insurance quote - the amount you'll have to pay for coverage. You can see how that number would differ from a general homeowners insurance rate set by state officials.

What the Quote Review means for you

Many factors contribute to each resident's individual homeowners insurance quote:

Geographic location: If you live in Tornado Alley, a hurricane zone, or other high-risk locations, you might pay more for home insurance.

Local construction costs: Typically, the more it would cost to rebuild your home after a total loss, the higher your home insurance premium will be. Our homeowners insurance calculator can help you estimate how much it could cost to rebuild.

Local insurance requirements: Homeowners insurance is regulated at the state level. Available coverage and prices vary by location. Call a licensed HomeownersInsurance.com agent to learn more about variations in home insurance.

Digging into the numbers - February trends

In February, quotes generated by HomeownersInsurance.com agents for Oregon homeowners averaged $440, 57% less than the NAIC national premium average of $1,034. Our California quotes averaged $539 - 48% less than the national standard.

Among states where customers got quotes from HomeownersInsurance.com that exceed the average national premium, Texas homeowners received the highest average quote - $1,331, about 29% more than the national number. Second was Missouri, where our quotes averaged $1,108, 7% higher than the average premium.

Do you overpay?

Check to see whether your premium exceeds numbers in the Quote Review. If it does, call a licensed HomeownersInsurance.com agent to compare quotes and see whether you lower your monthly payments.

Are you covered?

Is your premium substantially lower than the state numbers reflected here? There is such a thing as a premium that is too small. A premium hundreds of dollars below the state quote average might not be as great a deal as it sounds - you might be leaving your home underinsured. For example, a $400 homeowners insurance policy in Tornado Alley probably won't cut it. You might prefer lower monthly payments, but when the clouds roll in, you'll wish you'd invested more in your protecting your home. Remember, your policy will only reimburse you up to your coverage limits. Expenses beyond your limits will be your responsibility. Call a licensed HomeownersInsurance.com agent if you notice large discrepancies between your premium and the amount on this page.

Find your state in the following list and click on it for additional information:

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Dig deeper into home insurance premiums

To get the average home insurance premiums for policies sold in the past 12 months, click on your state from the list below. You'll also get more information on homeowners insurance quotes in your area, as well as coverage and discounts.

About the Homeowners Insurance Premium Report

The average premiums listed on this report are the average premiums sold to HomeownersInsurance.com customers over the past 12 months in each state. HomeownersInsurance.com is part of the Homeinsurance.com, LLC marketplace, selling home and auto insurance nationwide. Our carrier partners include such leading insurance providers as Travelers, MetLife, Liberty Mutual, Progressive, The Hartford, Safeco, Foremost, Progressive and ASI. The premiums listed on this page are average premiums for all HomeownersInsurance.com customers and do not represent a quote for coverage. Quotes for new policies will vary.